Property Type: Detached HouseOwnership: Freehold

365 VICTORIA Street N

Kitchener, BC N2H5E4

$299,000

3 bed1 bath984 sqftBuilt 1899
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.11 acres
Frontage
50 feet

R5

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,795

Interior

Basement
Unfinished, Full
Heating
Forced air, Natural gas
Cooling / A/C
None
Fireplace
None
Appliances
Refrigerator, Stove

Exterior & Lot

Exterior features
Brick, Vinyl siding
View
City view

Building

Water source
Municipal water
Sewer
Municipal sewage system
Security
Smoke Detectors

Parking

Features
None

Room Dimensions

RoomLevelDimensions
Utility roomBasement
OtherBasement
3pc BathroomSecond level5'3'' x 6'2''
BedroomSecond level7'10'' x 9'2''
BedroomSecond level8'9'' x 10'6''
Primary BedroomSecond level11'1'' x 13'0''
KitchenMain level11'1'' x 9'5''
LibraryMain level11'1'' x 13'0''
Living roomMain level12'11'' x 13'0''
Dining roomMain level11'11'' x 12'6''

Listing Information

MLS®
40846856
Listed
July 23, 2026
Time on market
On the market for 53 days
Data last synced
September 15, 2026

Listing provided by: RED AND WHITE REALTY INC. · Data source: CREA DDF.

Description

Three bedroom, two story house on a large lot. No parking on site. Central location close to schools, cultural center, transit, shopping, expressway. Zoned R5 which includes but is not limited to Home Day Care, Residential Care Facility and Hospice, as well as a variety of Dwelling Units. (id:63159)

Values & Trends

This listing

$304/sqft

Building average

No other active listings in this building

212 - Downtown Kitchener/East Ward average

$427/sqft

33 active listing(s)

Parking: Not indicatedStorage locker: Not indicated

Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.

Location Insights

Weather

Nearest station: Guelph

13°C

Humidity 88%

Wind SE 2 km/h

Today

23°

Tonight

17°

Wednesday

26°

Wednesday night

12°

Thursday

25°

Thursday night

13°

Source: Environment and Climate Change Canada.

Nearby Schools

No schools found within a reasonable distance of this property.

Nearby Transit

No TransLink stops within an ~10-minute walk.

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($14,950) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$239,200.00
Periodic payment — Principal & Interest (monthly)$1,543.24
Additional monthly expenses (strata, tax, utilities, etc.)$281.92
Total monthly cost$1,825.15
Interest paid over 5-yr term$68,555.41
Balance at end of term$215,161.17

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$14,950
Stress test qualifying rate8.09%
Payment you must qualify for$2,184.25

Cash Needed at Closing

Minimum down payment$14,950
Estimated BC PTT$3,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$20,430

Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Verify all figures with a mortgage broker and lawyer before relying on them.

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